Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Negative equity NBB
More debt than assets in 2 of the last 2 fiscal years.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 17 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
VMF Insurance from Ternat, company number BE1006005014, closed financial year 2025 with a result of € -1,802 after tax. For that financial year VMF Insurance recorded a gross margin of € -1,447 and equity of € -2,173. Compared with financial year 2024, the result moved from € -3,371 to € -1,802. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on September 25, 2026.
€ -2,173
▼ € 1,802 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -1,802
▲ 47 % less loss than in 2024
Profit after tax over the fiscal year.
€ 438
▼ 64% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -5,173.
People and assets in 2025
0
Average over the fiscal year, from the social balance sheet.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
| 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|
| Gross margin | € -1,497 | € -1,447 | ▲ € 50 |
| Profit after taxes | € -3,371 | € -1,802 | ▲ € 1,569 |
| Equity | € -371 | € -2,173 | ▼ € 1,802 |
| Total debts | € 1,772 | € 2,611 | ▲ 47% |
| Cash | € 1,203 | € 438 | ▼ 64% |
| Retained profit | € -3,371 | € -5,173 | ▼ € 1,802 |
| Balance sheet total | € 1,401 | € 438 | ▼ 69% |
By gross margin, VMF Insurance ranks 6th of 6 companies with main activity “Activiteiten van verzekeringsagenten en -makelaars” in Ternat that publish figures (fiscal year 2025).
Key figures of VMF Insurance, fiscal years 2024 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
Ask about VMF Insurance the way you would ask their accountant.
Answers from the filed annual accounts, the Belgian Official Gazette and the CBE register.
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What happened to VMF Insurance?
What happened at VMF Insurance in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 1,802. filed late Source: NBB ↗
- MAJ FINANCE became a director. NBB
- NATHALIE FIEVET became a director. NBB
- Incorporation, published in the Gazette. Source: Staatsblad ↗
- New establishment in Ternat. KBO
In short
From € 3,371 loss in 2024 to € 1,802 loss in 2025.
Management
The stake of VMF Finance comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
VMF InsuranceBehind VMF Insurance are MAJ FINANCE and NATHALIE FIEVET. The shares are held by VMF Finance (100%).
Directors
According to the 2025 annual accounts
since 2024
since 2024
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Statiestraat 103
1740 Ternat
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Similar companies in Ternat
Same main activity (Activiteiten van verzekeringsagenten en -makelaars), 5 active companies in Ternat, largest first.
€ 1.1 million gross margin · 2025
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€ 396,770 gross margin · 2025
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€ 15,431 gross margin · 2025
Shareholders according to the Official Gazette deeds
Who contributed at incorporation and at capital increases, with the deed as source. Later share transfers are not published in the Gazette.
Incorporation
Source: Deed ↗- VMF FINANCE(oprichter) 100%
Details
- Company number
- 1006.005.014
- VAT number
- BE 1006.005.014
- Registered office
- Statiestraat 103, 1740 Ternat
- Names & denominations
- VMF Insurance
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 14 February 2024
- Peppol
- Active · Active since 21 Oct 2026
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars